All posts by Ana

About Ana

I’ve published articles on personal finance and education in various print and online magazines including The Hispanic Outlook on Higher Education, New Mexico Woman, Geico Direct Magazine, Whakate.com, Girlfriendz Magazine and Spotlight on Recovery Magazine. I was a regular contributing writer specializing in business-related issues for Alaska Business Monthly and a staff writer the finance education website, Mint.com. Currently, I write personal finance topics for Bankrate.com. My past experience includes working for The Volunteer Center of United Way Westchester as a writer for their Youth Volunteer Guidebook 2008-2009 and as a volunteer translator and writer for the College Forward “The Loop” Newsletter. Also, I served as Treasurer for the Society for Hispanic MBAs. I've written for Forbes owned personal finance education site Investopedia.com and compiled a Hispanic Entrepreneur Series for Journelism.org for which I interviewed successful Hispanic entrepreneurs and wrote about their struggles and achievements. In addition, I also write a blog for Journelism.org about the educational tools and resources Latino students and emerging entrepreneurs need to achieve their dreams. My educational background is an MBA with honors in Finance. My current memberships are to the American Society of Journalists and Authors and the Freelance Writing Organization – Int’l. I occasionally work as a Notary Public and signing agent. During my spare time, I enjoy reading biographies, designing jewelry and staying up to date on current events and business-related trends.

Financial Advice for Blue Collar America / Asesoramiento Financiero para la Clase Trabajadora de los Estados Unidos

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This  year started off great! The book I had been translating to Spanish with my colleague Claudia Gonzalez, “Financial Advice for Blue Collar America” by Kathryn Bruzas Hauer, has been published!!! I am so excited over this project because it’s a wonderful book that gives great advice about college planning, retirement, saving and many other money related topics.

Here’s a brief summary of the book:

Are you short on cash? Worried about retirement? Not sure how you’ll pay for college? Join the crowd! These challenges trouble most Americans, but few people have time or interest to sort through countless internet sites or bulky books filled with complicated financial advice. Is there somewhere simple to turn? Yes! In this book, you get the answers you’re looking for.

You’ve got to learn the basics if you want to be financially successful, and Kathryn Hauer gives them to you in 152 readable, fact-based, compelling pages. In order to make a sometimes dull subject leap off the page and into your financial toolbox, Kathy references deer-hunting, shoe-shopping, Puff the Magic Dragon, and more. With this in-depth look at the financial challenges facing Americans today, Financial Advice for Blue Collar America gives a growing blue collar work force the tools needed to thrive.

In Spanish,

Este año comenzó muy bien! El libro en el cual había estado traduciendo a el Español con mi colega Claudia González, ¡”Asesoramiento Financiero para la Clase Trabajadora de los Estados Unidos” de Kathryn Bruzas Hauer, ha sido publicado !!! Estoy tan entusiasmada con este proyecto porque es un libro maravilloso que da muy buenos consejos sobre la planificación universitaria, la jubilación, el ahorro y muchos otros temas relacionados con el dinero.

Resumen del libro en Español:

¿Está corto de dinero? ¿Preocupado por su jubilación? ¿No está seguro de cómo pagar la Universidad? ¡Únase a la multitud! Estos problemas preocupan a la mayoría de los estadounidenses, pero pocas personas tienen tiempo o interés de leer minuciosamente innumerables sitios de internet o libros llenos de consejos financieros complicados. ¿Sabe a dónde acudir? ¡Sí! En este libro, usted obtendrá las respuestas que está buscando.
Tiene que aprender lo básico si quiere ser financieramente exitoso, y Kathryn Hauer le da lo fundamental en 152 paginas legibles, basadas en hechos reales, y convincentes. Para hacer que un tema, que es a veces aburrido, salte directo de la página a su caja de herramientas financiera, Kathy usa ejemplos cotidianos como la caza de venado, compras de zapatos, la canción folclórica inglesa “Puff el dragón mágico” y mucho más. Con este repaso exhaustivo de los problemas financieros que enfrentan los estadounidenses hoy, “Asesoramiento Financiero para La Clase Trabajadora,” una clase creciente, le da la herramienta necesaria para prosperar.

Asesoramiento Financiero para la Clase Trabajadora de los Estados Unidos

Disponible en Amazon aqui:  http://amzn.to/2kjLeq1

Bio – http://www.financialadviceforbluecollaramerica.com/ana-gonzalez-ribeiro

 

Maravilloso!!!

 

 

“Pulling the Trigger” By Adam Shaw and Lauren Callaghan

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I’ve recently reviewed the book, “Pulling the Trigger” by Adam Shaw and Lauren Callaghan. What brought my attention to this book? Anxiety. After the birth of my son, I suffered a bit from anxiety issues, triggered by the fact that he had many health problems when he was born and as a new mom I felt extremely overwhelmed. Thankfully, my son’s health has gotten much better (I thank God for this everyday!)  and I am also doing better but still very interested in topics related to anxiety. When I read the book “Pulling the Trigger” by Adam Shaw and Lauren Callaghan, I felt that Shaw really understood what mental illness is and how to deal with these issues. He was very open about his own struggles, how he went through life trying to deal with OCD, anxiety and depression and how he attempted to get the help he needed. He ultimately found this help through Clinical Psychologist Lauren Callaghan.

I thought it would be a good idea to talk to him about this topic.

In a phone interview from the countryside of the United Kingdom, Shaw spoke about   “Pulling the Trigger” saying it  focuses on a compassionate, straightforward and unique approach to support sufferers recovery from mental health issues and he talks about his struggles with OCD, anxiety, panic attacks, and depression.

Shaw says that when he wrote the book with Lauren Callaghan, he thought about his own mental health issues and what he would want from a self help book. “They need to have help, they need to see that somebody else is going through it,” he says.

Shaw suffered mental health problems since childhood. He had thoughts he was going to harm people, he had obsessive compulsive disorder, anxiety and severe depression. “I thought I was crazy,” he says.

“During the time we were taught how to eat healthy and exercise but there was no curriculum for mental health. You would just hear the negative things on the news about crazy people doing crazy things. I thought I was going to be taken away – end up locked up,” adds Shaw. He says that having worry and anxiety played a pivotal role in adding fear to his thoughts and adding even more anxiety. His thoughts became more sinister and turned his life upside down – then he was officially diagnosed with OCD but was being treated in the wrong way. Shaw says he went to a point where he was going to end it all – anxiety and panic left him contemplating suicide.

“That’s when I ended up on the ledge of a bridge. Ironically, I found this to be the first time I didn’t feel anxious and the only reason was because I knew I was going to end it and it couldn’t get me anymore – for the first time in my life I was relaxed.” Fortunately, that is also when he realized that he could possibly get better so he sought the help of Clinical Psychologist Lauren Callaghan.

“Lauren told me, “Why don’t you have the courage to face your fears and walk towards it, if you allow the bad thoughts in, you also allow the good thoughts in. Your thoughts will be desensitized when you face them, don’t add meaning to them.”

Shaw believes that the majority of mental health problems especially anxiety based ones like depression and OCD affect a lot of people and go untreated. “A lot of this can be resolved just by educating people,” says Shaw.

“Pulling the Trigger” is a book with a philanthropist element says Shaw. “We want to educate people on why they have the mental health issue. We can help people feel better. This book is about improving lives and helping others because our proceeds go to our charity where we help people who are in socially deprived areas that don’t have the medical care they need for survival,” he says. These books are not a commercial venture says Shaw. He made his money and sold his company a few years ago which employed about 1,000 people. “The idea was to launch a global charity where we could help children and parents with mental health – create and sell books with a philanthropic purpose. It goes to helping vulnerable people in dire and desperate situations. A lot of people are suffering needlessly,” he says.

Shaw says, “Life’s a journey – I’m very healthy now. It’s the first time in my life I feel right. I am doing something I really enjoy and am looking forward to helping as many people as possible.”

Check out Shaw’s global charity The Shaw Mind Foundation www.shawmindfoundation.org and website www.pulling-the-trigger.com

Adam Shaw and Lauren Callaghan
Adam Shaw and Lauren Callaghan

Wonder Woman Pose to Help Boost Confidence in Women?

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Copyright © Wonder Woman

I recently read an article that says that if a woman strikes the Wonder Woman pose for two minutes daily, it will boost their confidence and make them feel stronger. This sounded sort of like a mind trick to me, but is it?

According to an article in the Spanish magazine, Siempre Mujer, striking this pose actually alters your brain chemistry and makes you feel more powerful. The article is based on the book Amy Cuddy, professor of Business at Harvard wrote. Her book, Presence: Bringing Your Boldest Self to Your Biggest Challenge, presents a plan right out of the comic story, but is 100 percent proven by scientific study says Cuddy. The posture,  which is to stand tall with your hands on your hips, shoulders back, and head up, not only can help you attain your interior power, but can help you project an image of a strong, brave, powerful woman. As Cuddy says, you are not even faking it, you really feel like a super woman!

Here’s the scientific explanation. According to Cuddy, adopting this body pose for only 2 minutes daily, can elevate your testosterone levels  which affects your mood, by 20 percent (yes, women also produce this hormone but in less quantities than men), reduce your cortisone level (the stress hormone), and stimulate your capacity to take on risks. In the same manner, adopting closed poses such as slouching and keeping your head down will have the opposite effect.

Cuddy says that with this pose, your mind will start believing what your body is projecting. She also suggests you assume the Wonder Woman pose before an important meeting with a boss or before an important life event. No matter what life situation you are in, this pose can help you project power, strength and confidence. So go ahead ladies, let’s practice this pose daily and project our inner powerful goddess – we all have it in us!

¿Que es Alfa 1 Antitripsina?

 

Gracias a Elisabeth Sperling por la foto.
Gracias a Elisabeth Sperling por la foto.

Alfa 1 antitripsina es una enfermedad genética que afecta a 1 de cada 1.500 a 3.500 individuos de ascendencia europea. Este trastorno puede causar enfermedades pulmonares y enfermedades del hígado, con los primeros signos y síntomas de la enfermedad de pulmón o el hígado que se muestran entre las edades de 20 y 50. El problema que causa esta deficiencia genética es que no permite que el cuerpo produsca suficiente enzima para proteger a los pulmones y el hígado contra la exposición a los contaminantes que son potencialmente peligrosos. Personas que tiene esta deficiencia son menos protegido y tienen mayor probabilidad de desarrollar un problema.

Muchas personas están sin diagnosticar hasta que desarrollan una enfermedad pulmonar llamada enfermedad pulmonar obstructiva crónica (EPOC) o enfermedad hepática. El problema es que las personas que no saben que tienen este trastorno genético pueden involucrarse con estilos de vida poco saludables, como fumar, beber, vivir en zonas contaminadas con mala calidad del aire o mantenerse en ocupaciones peligrosas.  Algunas de estas ocupaciones son la lucha contra incendios, pintura de coches, o minería. Estas pueden afectar directamente a la gravedad y la evolución de la enfermedad.

Por eso, es bueno saber si usted lleva esta deficiencia genética. Si desea hacerse la prueba, lo puede hacer a través de esta impresionante organización, Fundación Alpha-1 http://www.alpha1.org.

La prueba es gratuita y confidencial. Se proporciona a través de https://www.alpha1.org/Newly-Diagnosed/Learning-about-Alpha-1/Testing-for-Alpha-1

E empezado a correr la voz acerca de este trastorno genético. En esta foto estoy enseñando a un grupo de los detalles de alfa 1 antitripsina. Vine a saber acerca de este trastorno genético cuando mi hijo fue diagnosticado con esta deficiencia a los 6 meses de edad. Afortunadamente mi hijo sólo es ligeramente deficiente por lo que sólo hay que asegurarse de que tome decisiones inteligentes y lleve un estilo de vida saludable – no fumar, no beber alcohol, comer saludable, hacer ejercicio y mantenerse alejado de las zonas altamente contaminadas y puestos de trabajo que pueden aumentar el riesgo de problemas respiratorios.

Yo e hecho la prueba y también tengo la deficiencia. Ahora estoy poniendo a prueba mi familia ya que este es un problema genético que se transmite a través de la familia.

A la Salud!

 

Kindergarten Jitters

On Friday I took my 4 1/2 year son to kindergarten. It was tough! My husband and I had been telling him that he was going to start school soon and we were diligently mentally preparing him for the occasion – so he knew that it was the day.

Boy did he know! As soon as he woke up he refused to get dressed. He did not want me to put on his shirt, his pants, his socks, nothing! He refused very vocally, running around the living room, screaming and crying for at least 15 minutes. After much cajoling, he finally succumbed to my pleas and let me dress him.  By that time I was already exhausted and he was sweaty, it was only 8:15 in the morning! Going down the stairs was a wrestling match. He fought tooth and nail and almost knocked down his daddy. Again, the screams and pleas, ” No, school!!!” he screamed.

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Morning before school started

I was a bit taken back by this scenario. our little Michael had been in pre-school for 2 years know and I honestly thought that he would be a pro at this now. I thought he was used to the mob of kids who were his peers and the authoritative figure of the teachers. Perhaps the comfort of home and the memories of all the fun activities he participated in during the summer months took a hold on him yesterday. He somehow instinctively knew that he was in for a whole new ball game. Kindergarten. This is when the real school work starts. During this year he will get homework and will have to work in school most of the day, learning how to read, write and possibly some math.  The days of all fun and games is done. Now the real work begins. My little baby is growing up.

The genetic disorder many of us have and don’t know about.

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Thank you Elisabeth Sperling for this picture of me!

Alpha 1 Antitrypsin Deficiency is a genetic disorder that affects about 1 in 1,500 to 3,500 individuals from European ancestry. This disorder may cause lung disease and liver disease, with the first signs and symptoms of lung or liver disease showing up between ages 20 and 50. The problem this genetic deficiency causes is that it does not let the body produce enough enzyme to protect the lungs and liver against exposures to potentially hazardous pollutants.  So the less protected we are, the higher the chance of developing a problem.

Many individuals are undiagnosed until they develop a lung condition called chronic obstructive pulmonary disease (COPD) or liver disease. The problem is that people who don’t know they have this genetic disorder may get involved with unhealthy lifestyles such as smoking, drinking, living in polluted areas with bad air quality and hold hazardous occupations such as firefighting, car painting,or mining that can directly affect the severity and outcome of the disease.

That is why it’s good to know if you carry the genetic deficiency. If you’d like to get tested, do it through this awesome organization, Alpha-1 Foundation http://www.alpha1.org.

The test is free and confidential. It is provided through https://www.alpha1.org/Newly-Diagnosed/Learning-about-Alpha-1/Testing-for-Alpha-1 

I’ve started spreading the word about this genetic disorder. Here I am teaching a group about the details of Alpha 1 Antitrypsin Deficiency. I came to know about this genetic disorder when my son was diagnosed with it at 6 months of age. Thankfully he is only slightly deficient so we just have to make sure he makes smart decisions and leads a healthy lifestyle – no smoking, eats healthy, gets plenty of exercise and stays away from highly polluted areas and jobs that can increase risk of respiratory issues. I’ve been tested and also have the deficiency. Now I’m getting my family tested since this is a genetic issue that is passed on through family.